Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$152,474Cash toward the purchase price.
Closing costs + prepaids$9,788Not just lender fees.
Before credits & paid funds$162,262The complete starting cash picture.
Estimated remaining funds due at closing
$162,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,474.35
Your down payment$152,474.35
Closing costs + prepaids$9,787.74
Total buyer cash needed$162,262.08
Remaining funds due$162,262.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$788.50
Prepaid interest, first (2 days)$24.24
Fees + prepaids$9,787.74
Your down payment is the seller’s equity. You take over the $122,526 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $162,262.08 is due at closing. Uses and sources reconcile at $284,787.74 each. Not a Closing Disclosure.